Do you own Could your money be

YES something that serves NO

better spent on meeting
Do you have cash the same purpose? a need?
to buy it instead of using
a credit card?
Was it on your list?
Did you go out
YES NO
YES Have you looked
intending to buy it?
for sales, coupons, or
Congrats! You prevented
NO an impulse purchase and generic versions?
Do you have an saved money!
NO NO
immediate use for it?
You don’t truly DON’T YES YES
need this item.
BUY IT!
NO COMPARISON
YES
Enjoy your SHOP
CAN YOU purchase, BEFORE
COMFORTABLY Can you smart spender!
AFFORD IT? After all this, do BUYING!
borrow it from
a friend? BUY IT you still want to buy it?

NO ALREADY! So you know

you are getting
NO a good deal.
YES
YES
If it’s something
Can you put you really want.
Carrying a decision map with you it on layaway? NO
is an effective way to help prevent ASK TO GO HOME
overspending. Whenever you’re BORROW AND
tempted to pull out your wallet, pull
IT! YES PUT SAVE UP!
out these questions first. By adding IT ON
this step to your purchasing LAYAWAY!
process, you can retrain
yourself to think about
every purchase before
you make it.